Mar 3, 2014, 9:28 am
Last edit by: uncommonsensical
“My Vanilla Personal Reloadable Prepaid Debit Visa card”
https://www.myvanilladebitcard.com
FAQs: https://www.myvanilladebitcard.com/myvanilla/faq.html
T&C: https://www.myvanilladebitcard.com/m...Policy_ENG.pdf
Fees: https://www.myvanilladebitcard.com/m...RhFOmbp3hiKogJ
There isn't a bill pay function with MVD.
How do I load funds onto MVD? There are two primary ways to load funds onto your MyVanilla Card: 1) Direct Deposit (direct deposit all or part of your paycheck, social security, even your tax return refund right onto your MyVanilla Card); 2) At any Vanilla Reload Network retailer; just bring your Card and the amount you want to load onto your Card - Note: This can be either purchasing a Vanilla Reload card or possibly using a retailer with loading function on the cash register such as CVS. $3.95 fee applies to both methods.
CVS Credit Card Load Data Points:
Credit Cards used treated as a purchase:
FIA Fidelity Amex
Credit Cards used treated as a cash advance:
??
What is the load limit? You can load a maximum of $500.00 per day onto your Card, and there is a $2,500.00 total maximum deposit limit per day from all deposit sources (loads and ACH direct deposits). The daily ATM withdrawal limit is $400.00. The daily Cash Advance or "Over the Counter" limit at a bank is reported as $2,500.00/day. Some reports that this is actually / month. Maximum loaded amount on MVD card is $9,999.
If you can find Vanilla Reload cards that you can purchase with a credit card, max out by getting up to 3 registered MyVanilla Debit cards and you can load up to $2500 x 3 per day. And if you have a bank near you that will give you cash advances, you can take the full balance off each card for a $1.95 cent fee.
If you do not have Vanilla Reloads available near you, you want to find a bank that will allow you to cash out temporary cards. These are the ones you buy at CVS for $500 plus $3.95 fee and then cash them out en masse for a 50 cash advance fee apiece.
In Essence
Get new cards, spend some random amount and then get put in shutdown mode to spend off what is left, unless you utilize one old weird trick that prevents shutdown mode.
Liquidating a shut down account as of 3.31.2014
Various reports, and I can also confirm- If you receive the "invalid username or password" message when trying to access your account online, that's the indicator that you have been shut down. Check again for a day or so (just to make sure it wasn't an issue with their website). If still unable to access- you've been shut down.
If you don't want to call and talk to them, you can confirm yourself whether your account is still alive to liquidate by calling 855.686.9513. If you are able to hear your balance, you can liquidate- and you can liquidate quickly without any problem. I liquidated $8,200 over the weekend: 5k Saturday, the remainder Sunday (Walmart BillPay and MO).
https://www.myvanilladebitcard.com
FAQs: https://www.myvanilladebitcard.com/myvanilla/faq.html
T&C: https://www.myvanilladebitcard.com/m...Policy_ENG.pdf
Fees: https://www.myvanilladebitcard.com/m...RhFOmbp3hiKogJ
There isn't a bill pay function with MVD.
How do I load funds onto MVD? There are two primary ways to load funds onto your MyVanilla Card: 1) Direct Deposit (direct deposit all or part of your paycheck, social security, even your tax return refund right onto your MyVanilla Card); 2) At any Vanilla Reload Network retailer; just bring your Card and the amount you want to load onto your Card - Note: This can be either purchasing a Vanilla Reload card or possibly using a retailer with loading function on the cash register such as CVS. $3.95 fee applies to both methods.
CVS Credit Card Load Data Points:
Credit Cards used treated as a purchase:
FIA Fidelity Amex
Credit Cards used treated as a cash advance:
??
What is the load limit? You can load a maximum of $500.00 per day onto your Card, and there is a $2,500.00 total maximum deposit limit per day from all deposit sources (loads and ACH direct deposits). The daily ATM withdrawal limit is $400.00. The daily Cash Advance or "Over the Counter" limit at a bank is reported as $2,500.00/day. Some reports that this is actually / month. Maximum loaded amount on MVD card is $9,999.
If you can find Vanilla Reload cards that you can purchase with a credit card, max out by getting up to 3 registered MyVanilla Debit cards and you can load up to $2500 x 3 per day. And if you have a bank near you that will give you cash advances, you can take the full balance off each card for a $1.95 cent fee.
If you do not have Vanilla Reloads available near you, you want to find a bank that will allow you to cash out temporary cards. These are the ones you buy at CVS for $500 plus $3.95 fee and then cash them out en masse for a 50 cash advance fee apiece.
In Essence
Get new cards, spend some random amount and then get put in shutdown mode to spend off what is left, unless you utilize one old weird trick that prevents shutdown mode.
Liquidating a shut down account as of 3.31.2014
Various reports, and I can also confirm- If you receive the "invalid username or password" message when trying to access your account online, that's the indicator that you have been shut down. Check again for a day or so (just to make sure it wasn't an issue with their website). If still unable to access- you've been shut down.
If you don't want to call and talk to them, you can confirm yourself whether your account is still alive to liquidate by calling 855.686.9513. If you are able to hear your balance, you can liquidate- and you can liquidate quickly without any problem. I liquidated $8,200 over the weekend: 5k Saturday, the remainder Sunday (Walmart BillPay and MO).
My Vanilla debit
Jan 15, 2014, 10:06 am
#2357
Join Date: Mar 2009
Location: DCA
Programs: FB Gold Privilege
Posts: 413
Phone access? Same thing happened to me, I drained it in Walmart and opened another card.
Jan 15, 2014, 10:37 am
#2360
Join Date: Mar 2013
Location: PHL based
Programs: USAir, UA, AA, BA, Hyatt, HHonors, SPG, Marriott, IHG
Posts: 356
Jan 15, 2014, 11:33 am
#2363
Join Date: May 2005
Location: DFW
Programs: AA Plat
Posts: 271
i want all u ppl to stop your fighting now, we must stick together for our common cause rather than have bad blood among ourselves. its us against the world, not us against ourselves!!!
heres my question in this mvd card theres two players. theres incomm and bancorp. i need to know, what role does bancorp play? what role does incomm play?
lets say hypothetically there is a different card where the two players are incomm and metabank. can we expect to be treated in the same disrespectful manner by this new card?? in other words, is the person pulling the strings here incomm or bancorp??
this isn't just academic curiosity, i rly need to know pls.
heres my question in this mvd card theres two players. theres incomm and bancorp. i need to know, what role does bancorp play? what role does incomm play?
lets say hypothetically there is a different card where the two players are incomm and metabank. can we expect to be treated in the same disrespectful manner by this new card?? in other words, is the person pulling the strings here incomm or bancorp??
this isn't just academic curiosity, i rly need to know pls.
Jan 15, 2014, 12:12 pm
#2364
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
I think Incomm is a non regulated division or a subsidiary of a regulated Bancorp, so MVD does not have to comply with federal banking regulations yet enjoy the benefits of a federally regulated bank?
Jan 15, 2014, 12:22 pm
#2365
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Jan 15, 2014, 12:43 pm
#2366
Join Date: Jun 2012
Posts: 140
i want all u ppl to stop your fighting now, we must stick together for our common cause rather than have bad blood among ourselves. its us against the world, not us against ourselves!!!
heres my question in this mvd card theres two players. theres incomm and bancorp. i need to know, what role does bancorp play? what role does incomm play?
lets say hypothetically there is a different card where the two players are incomm and metabank. can we expect to be treated in the same disrespectful manner by this new card?? in other words, is the person pulling the strings here incomm or bancorp??
this isn't just academic curiosity, i rly need to know pls.
heres my question in this mvd card theres two players. theres incomm and bancorp. i need to know, what role does bancorp play? what role does incomm play?
lets say hypothetically there is a different card where the two players are incomm and metabank. can we expect to be treated in the same disrespectful manner by this new card?? in other words, is the person pulling the strings here incomm or bancorp??
this isn't just academic curiosity, i rly need to know pls.
Jan 15, 2014, 1:21 pm
#2368
Join Date: Feb 2013
Posts: 801
My errors were more general. Something like "Identity could not be verified electronically" or similar. I feel this is an indicator if imminent shutdown, as that's what happened to me about 2 weeks after i first got this error. Pure speculation of course.
Jan 15, 2014, 2:28 pm
#2369
Join Date: May 2012
Location: New England
Programs: DL PM, HH Gold, the rest come and go
Posts: 313
Had one virgin card left (no shutdowns, no spend down, online access, "active"):
1. Loaded $500.
2. Waited 5-10 minutes.
3. Lost online access, kept phone access.
4. Tried to load another $500, error code 43, "this card is INVALID..."
5. CA $498.
Reports here make me think i could have loaded more in the window between 1 and 2, when loads were allowed and I still had online access.
Perhaps in response to all the FDIC complaints they've stopped allowing loads to cards destined for shutdown (which was an incredibly abusive practice).
Jan 15, 2014, 3:17 pm
#2370
Join Date: Aug 2011
Location: SFO/SJC
Programs: MR,UR, UA, BA, AA, Hotels
Posts: 581
Metabank is better and worse.
Worse, because they are much more proficient at spotting MS and have been for a long time, and once shutdown there are no restarts with the same SSN across any of their products.
Better - they plan for this and had a smart built in 'spend down' mode right from the start and they don't need to lock you out of online access to do this, or play games with sending in supplemental info.
Look at the GoBank thread for more info.
Worse, because they are much more proficient at spotting MS and have been for a long time, and once shutdown there are no restarts with the same SSN across any of their products.
Better - they plan for this and had a smart built in 'spend down' mode right from the start and they don't need to lock you out of online access to do this, or play games with sending in supplemental info.
Look at the GoBank thread for more info.
i want all u ppl to stop your fighting now, we must stick together for our common cause rather than have bad blood among ourselves. its us against the world, not us against ourselves!!!
heres my question in this mvd card theres two players. theres incomm and bancorp. i need to know, what role does bancorp play? what role does incomm play?
lets say hypothetically there is a different card where the two players are incomm and metabank. can we expect to be treated in the same disrespectful manner by this new card?? in other words, is the person pulling the strings here incomm or bancorp??
this isn't just academic curiosity, i rly need to know pls.
heres my question in this mvd card theres two players. theres incomm and bancorp. i need to know, what role does bancorp play? what role does incomm play?
lets say hypothetically there is a different card where the two players are incomm and metabank. can we expect to be treated in the same disrespectful manner by this new card?? in other words, is the person pulling the strings here incomm or bancorp??
this isn't just academic curiosity, i rly need to know pls.